Wow, I'd forgotten how addictive this game is!
I borrowed the max 400,000 from the bank and got myself the basic Scannia.
Then a garage and two trucks with drivers. The two hired drivers pay off the 6,000 a day loan repayments so all your own jobs are profit.
Once the loan is payed off the money will be rolling in!
Of coarse you will want to buy more garages, trucks with hired drivers